BlastPoint's Banking Scorecard
The First National Bank of Eagle Lake
Micro
Specialty: Agricultural
TX
FDIC cert 3179
Designations: ✓ Community bank
Eagle Lake, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Eagle Lake faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.49% above tier
- - Nonperforming Asset Ratio 1.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.9M
+1.8% YoY
-0.7% QoQ
|
-$47.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$95.5M
-5.3% YoY
-4.1% QoQ
|
-$43.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$150.4M
+8.1% YoY
-1.2% QoQ
|
-$33.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.61%
+9.5% YoY
+9.5% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.75%
-0.0% YoY
+3.2% QoQ
|
+0.90% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
66.44%
-4.8% YoY
-2.5% QoQ
|
-1.29% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
3.13%
-17.2% QoQ
|
+2.49% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
63.49%
-12.4% YoY
-2.9% QoQ
|
-11.03% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
35.72%
-3.2% YoY
-3.4% QoQ
|
+13.33% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
1.76%
-20.0% QoQ
|
+1.31% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.63%
+7.5% YoY
+44.9% QoQ
|
+0.07% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.13%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.76%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.72% · Tier avg: 22.39%
86
86th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.49% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Efficiency Ratio
Current: 66.44% · Tier avg: 67.73%
45
45th pctile
Total Deposits
Current: $150.4M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $169.9M · Tier avg: $217.5M
41
41th pctile
Total Loans
Current: $95.5M · Tier avg: $139.2M
9
9th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.13% · Tier avg: 0.64%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 3.13% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.45%
41
41th pctile
Total Loans
Current: $95.5M · Tier avg: $139.2M
43
43th pctile
Total Assets
Current: $169.9M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $150.4M · Tier avg: $183.7M
49
49th pctile
Efficiency Ratio
Current: 66.44% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.49% · Tier avg: 74.53%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
86
86th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.72% · Tier avg: 22.39%